The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,284
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,511
−HK$230/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,212
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,482/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,104
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$220/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,082/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,741
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,013
−HK$276/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$565/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,578/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,724
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,985
−HK$265/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,500/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,198
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$322/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$660/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$21,674/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,345
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$309/mo
Today · 4.125%
HK$11,958
baseline
▲ 0.50% · 4.625%
HK$12,588
+HK$630/mo
Deposit HK$958K · loan HK$2.24M · min. income ≈ HK$23,916/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,112
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$414/mo
Today · 4.125%
HK$13,934
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$848/mo
Deposit HK$319K · loan HK$2.88M · min. income ≈ HK$27,868/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,587
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,978
−HK$397/mo
Today · 4.125%
HK$15,375
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$810/mo
Deposit HK$319K · loan HK$2.88M · min. income ≈ HK$30,750/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).